Articles
Guides for
home buyers and investors
Lending strategy, loan structure, and straight talk on what actually matters, whether you're buying your first home or your next investment.
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Guide
How to Increase Borrowing Capacity (Without Increasing Your Income)
Nine ways to increase your borrowing capacity in Australia without a pay rise, each with what it's actually worth. Credit card limits, BNPL, car loans, living expenses, HECS after the 2025 changes, and the lender-choice lever worth more than all the rest.
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Guide
Mortgage Broker vs Bank: Which Should You Use in Australia?
Mortgage broker vs bank, compared honestly. Lender access, best-interest duty, what it costs you, and which one suits your situation whether you're buying your first home, upgrading, refinancing, or investing.
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Guide
What Does It Cost to Refinance a Home Loan? Every Fee, Itemised
The real cost to refinance a home loan in Australia, fee by fee. Discharge fees, the discharge authority form, state government registration costs, break costs, LMI, and the break-even arithmetic that tells you whether switching is worth it.
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Guide
How Much Deposit Do You Need to Buy a House in Australia?
How much deposit to buy a house in Australia, with worked numbers by purchase price. What 5%, 10% and 20% look like, what LMI costs, and how the government's 5% Deposit Scheme works now.
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